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Treblesys

Fintech & Financial Services

Lending and payments platforms built to be audited.

We build lending, payments and back-office platforms for regulated firms. Every decision needs an audit trail and most of the integrations move money, so each release has to clear compliance without the roadmap grinding to a halt. We've done this enough times to know where the time goes.

Discuss your projectSee related work

Constraints we build around

  • FCA regulation, Consumer Duty and SM&CR, with evidence and audit trails designed in early
  • Keeping PCI DSS scope small through tokenisation and hosted payment fields
  • PSD2, open banking (AIS/PIS) and strong customer authentication
  • KYC/AML checks, sanctions screening and record retention
  • GDPR, data residency and encryption both at rest and in transit
  • Immutable audit logs, plus four-eyes approval on any decision that affects a customer
Looking up at glass office towers against the sky

What we hear

What people in this sector tell us on a first call.

  1. 01

    A polished front end with manual work behind it

    The website looks like a fintech. Behind it, applications move through inboxes and spreadsheets and get re-keyed into the core system by hand. When volume goes up, headcount goes up with it.

  2. 02

    Compliance arriving at the end of the project

    Consumer Duty, PCI DSS, SM&CR and AML rules turn up late, usually as review comments on something already built. Retrofitting audit trails and evidence into software that never had them is slow and expensive. Designing them in on day one is cheaper by some distance.

  3. 03

    Integrations that move money

    Credit bureaus, open banking providers, payment rails, KYC vendors and the core banking or ledger system each come with their own contract and their own ways of failing, rate limits included. When one of them breaks, applications stop moving until somebody notices.

  4. 04

    Legacy cores and vendor lock-in

    A loan management or policy admin system with no API, where every change needs a vendor ticket. Product launches move at the vendor's pace, whatever your own roadmap says.

What we build

The kinds of systems this sector tends to need.

  • Lending and origination platforms

    Broker and customer portals, underwriting workbenches, configurable decisioning rules, document collection and e-signature, with a record of who decided what, and when, on every application.

  • Payments and open banking integrations

    Account information and payment initiation through AIS/PIS providers, card processing kept behind tokenisation, and reconciliation jobs that catch mismatches well before month-end.

  • Customer and adviser portals

    Self-service statements, documents, applications and case status for customers, brokers or advisers. Fewer inbound calls and less re-keying, with consent and disclosures captured properly along the way.

  • Back-office and case management tools

    Onboarding, KYC/AML review queues, complaints handling and collections workflows built around the procedures you have written down, which a generic CRM never quite fits.

  • Modernising core systems incrementally

    We wrap the legacy loan book or ledger in an API and move workflows out one at a time. The old system gets retired once the new one has run alongside it long enough to trust, which takes longer than most people expect.

  • Reporting and regulatory data

    Management information, regulatory returns and Consumer Duty outcome monitoring built on a reconciled data model, so nobody is exporting spreadsheets on the last working day of the month.

Related work

A project from this sector.

All case studies
Fintech & Financial ServicesSample

Same-day loan decisions for an SME lender that ran underwriting from a shared inbox

A UK SME lender was handling several hundred applications a month through shared inboxes, spreadsheets and a loan management system that only saw a deal once it had been approved. We built the origination platform in front of it (broker portal, underwriting workbench, decision rules, document collection and the integrations between them). Typical time-to-decision went from days to hours without adding underwriters.

median time-to-decision, down from around three days
< 4 hrs
median time-to-decision, down from around three days
of applications decided straight-through, no manual underwriting
~35%
of applications decided straight-through, no manual underwriting
applications handled per underwriter without additional hires
2x
applications handled per underwriter without additional hires
Read the case study
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Questions

Questions that come up before a first project.

Ask us directly
Do you have experience with FCA-regulated firms?

Yes. We've built platforms for regulated lenders and payments businesses, and we're used to working alongside compliance teams. In practice that means documenting decisions and producing evidence for audits, and designing controls such as approval steps and immutable logs into the software from the start.

Can you integrate with credit bureaus, open banking and e-signature providers?

Regularly. Each vendor sits behind an internal interface with retries, timeouts, idempotency and monitoring, so a slow or failing provider degrades gracefully instead of blocking every application in the queue. It also means switching providers later is a contained change.

How do you handle security and hosting for financial data?

Usually UK or EU regions on AWS or Azure, with infrastructure as code, encryption at rest and in transit, least-privilege access, secrets management and audit logging. If you already have security policies we work within them, and we'll support penetration testing and due diligence questionnaires when they come round.

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